How does the waiting period affect my coverage?

The waiting period in the Activ One – VYTL plan delays coverage for certain conditions. Illness-related claims are excluded for the first 30 days, specific diseases for 24 months, and pre-existing conditions for 36 months. These limits restrict early claims but can be shortened with optional covers for quicker access.

What happens if I don’t use my health insurance benefits for the entire year?

If you don’t use your health insurance benefits under the Activ One – VYTL plan for the entire year, you don’t lose them entirely. Instead, you may earn benefits like Super Credit, which adds extra coverage for the next year, and HealthReturns™, a reward system that gives you monetary credits for staying healthy. These can be used for OPD expenses or buying health devices. So, even without making a claim, your policy rewards you for maintaining good health and continuing coverage.

Will my health insurance cover treatment abroad?

Yes, the Activ One – VYTL plan does cover treatment abroad, but only under specific conditions:Emergency Medical Treatment Abroad: Covered under the Global Cover (Emergency Only) benefit, including hospitalization, air ambulance, repatriation, and more—only in emergencies, not planned carePlanned Treatment Abroad: Not available under VYTL. This benefit (Global Enhanced) is available only in higher variants like VIP+, not VYTLSo, under the VYTL plan, only emergency treatments outside India are covered, subject to terms in the policy schedule. Planned medical procedures abroad are not included.

OneAssure

Health Insurance

Aditya Birla

Activ One Vytl

Aditya Birla Activ One VYTL

Experience India's most trusted health insurance with Aditya Birla Health Insurance. Get instant cashless treatment at 8000 network hospitals with sum insured up to ₹50 lakhs.

96

Claim Settlement Ratio

8000

Network Hospitals

9.2

Customer Rating

Policy Policy Wording

Policy Brochure

Get a Quote

96

Claim Settlement Ratio

8000

Network Hospitals

9.2

Customer Rating

Policy Policy Wording

Policy Brochure

Our Verdict

Expert Review: Aditya Birla Health Insurance

Final Verdict

The Activ One – VYTL plan is a comprehensive health insurance option that combines robust hospitalization cover, unlimited super reload, chronic care from day one, and global emergency treatment. It rewards healthy habits through HealthReturns™ and supports wellness with annual health checks and OPD benefits for chronic conditions. AYUSH coverage and claim protection (non-medical expenses) add further value. However, it carries a 3-year waiting period for pre-existing diseases and does not cover planned international treatments. Premiums may also be slightly higher than basic plans. Overall, it’s well-suited for individuals or families seeking long-term, preventive, and lifestyle-aligned health protection.

The Activ One – VYTL plan is a comprehensive health insurance option that combines robust hospitalization cover, unlimited super reload, chronic care from day one, and global emergency treatment. It rewards healthy habits through HealthReturns™ and supports wellness with annual health checks and OPD benefits for chronic conditions. AYUSH coverage and claim protection (non-medical expenses) add further value. However, it carries a 3-year waiting period for pre-existing diseases and does not cover planned international treatments....

About

About Aditya Birla Health Insurance

Your health deserves special attention, especially if you’re managing a lifestyle-related condition. That’s why the Activ One VYTL Health Insurance plan from Aditya Birla Health Insurance goes beyond just financial coverage — it’s a complete health management solution designed to support your well-being and offer tailored insurance benefits that align with your unique health needs.

Testimonials

Real People. Real Relief

These are the moments that show what we really do. We don't sell you a policy. We stand by you when it matters most.

I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.

Prashant Pandey

Mumbai, Maharashtra

Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.

Jatin Gala

Mumbai, Maharashtra

My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.

Anju Renjith

Bengaluru, Karnataka

I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience.Thank you once again for your invaluable help, highly recommended!

Yogesh Meena

Jaipur, Rajasthan

I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.

Akash Kumar

West Bengal

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Inclusions and Exclusions

Inclusions and Exclusions of Aditya Birla Insurance Company Limited

Room Rent

All room categories are covered

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

ICU Charges

No restriction on ICU room rent

Disease-wise sublimits

No

Annual Health Checkup

Health check-up is available from the first policy year

Restoration Benefit

Yes, your sum insured restores to 100% unlimited times after your second claim, for both related and unrelated illnesses

Cumulative Bonus

Your sum insured increases by 50% every year up to 100%, maximum 3cr

Consumable Cover

Yes

Co-payment

Available as an option

Cashless Healthcare Providers

11000+ Healthcare Providers

Initial Waiting Period

30 days

Specific Waiting Period

2 years

PED Waiting Period

3 years

Claim Settlement Ratio

96%

Pre-Hospitalisation

You get cover for medical tests and doctor visits up to 90 days before hospitalisation, if your main claim is approved

Post-Hospitalisation

You get cover for medical bills up to 180 days after discharge, including physiotherapy if your doctor prescribes it

Outpatient Department Cover (OPD Expense)

OPD expense is not included

Deductible Option

Available as an option

Coverage Options

Available coverage options: ₹5L, ₹7L, ₹10L, ₹15L, ₹20L, ₹25L, ₹50L, ₹75L, ₹1 Cr and ₹2 Cr

Maternity Cover

Not available

AYUSH Treatment

Covers AYUSH treatment expenses up to your annual sum insured during the policy period

Room Rent

All room categories are covered

Modern Treatment

Hospital expenses for listed advanced treatments are covered up to your full sum insured during the policy period

Daycare Treatment

Covers medical expenses for treatments not requiring 24-hour hospitalization, up to your annual sum insured

Exclusions

Self-inflicted injuries or suicide attempts.
Cosmetic or plastic surgery, unless medically necessary due to accident or disease.
Infertility treatments, IVF, or related procedures.
Obesity-related treatments (unless bariatric surgery is specifically covered).
HIV/AIDS or related illnesses.

Add ons

Add-Ons

Chronic Care (Day 1 In-patient Hospitalization)

Chronic Management Program (OPD)

Pre Existing Diseases

Critical Illness Cover

Air Ambulance

Unlimited Care

Cancer Booster

Compassionate Visit

Insurance Premium Calculator

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About the company

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya Birla ensures easy access to quality medical care through a smooth cashless claim process. The insurer also offers features like chronic care management, annual health...

Aditya Birla Health Insurance, part of the Aditya Birla Capital Group, is among India’s most reliable and customer-centric health insurers. The company aims to go beyond basic protection by focusing on preventive healthcare, wellness programs, and rewards for maintaining a healthy lifestyle. It provides a wide range of health plans for individuals, families, and senior citizens, offering flexible sum insured options and comprehensive benefits. With a strong network of over 8,000 hospitals across India, Aditya...

FAQs

Frequently Asked Questions

Got questions about health insurance? You’re not alone. Here are some of the most commonly asked questions to help you understand plans, coverage, claims, and benefits better.